Mobile Home Financing Florida

Mobile Home Financing Florida

In the Sunshine State, where beautiful beaches and warm weather abound, mobile homes and manufactured housing have become increasingly popular choices for affordable and comfortable living. Whether you’re looking to purchase a mobile home as your primary residence, invest in mobile home parks, or explore the world of manufactured housing loans, Golden Lenders is here to guide you through the process. Explore steps for mobile home financing, emphasizing key factors like lower down payments, leased land, and the various options available for financing manufactured homes.

Mobile Homes In Florida

Mobile homes, often referred to as manufactured homes, are a versatile and cost-effective housing solution that usually require a lower down payment. These homes are constructed off-site and then transported to their final location, making them an excellent choice for those seeking flexibility and affordability. Florida’s mobile home communities offer a diverse range of options, from beachside retreats to cozy retirement communities.

Chattel Loans

Chattel loans are a specific type of financing tailored for mobile homes that are not permanently affixed to the property, making them an excellent option for those residing in leased land communities or seeking a more flexible homeownership experience. Golden Lenders specializes in chattel loans, offering competitive rates, lower down payments and terms designed to meet the unique needs of mobile home buyers in Florida. Whether you’re purchasing your first mobile home, looking to upgrade to a newer model, or exploring investment opportunities in the dynamic mobile home market, our team is dedicated to providing you with expert guidance and efficient financing solutions for a seamless and hassle-free experience. Discover the ease of securing a chattel loan with Golden Lenders and embark on your mobile home journey in the beautiful state of Florida.

Financing Your Dream Home

When it comes to financing your mobile home in Florida, it’s crucial to understand your options. Golden Lenders specializes in mobile home loans designed to meet your unique needs, whether you’re purchasing a manufactured home for personal use or considering investment opportunities in mobile home parks.

Primary Residence vs. Investment

One of the first decisions you’ll need to make when exploring mobile home financing in Florida is whether the property will serve as your primary residence or an investment. If you’re planning to live in a mobile home, you can take advantage of financing options tailored to homeowners. However, if you’re looking to invest in mobile home parks or purchase manufactured homes for rental income, different financing strategies may apply.

Lower Down Payment Considerations

The down payment is a crucial aspect of securing mobile home financing in Florida. While traditional mortgages typically require a substantial down payment, mobile home loans often have more flexible options with lower down payments required. Golden Lenders can help you explore down payment options that suit your financial situation, making your dream of mobile home ownership more accessible.

Leased Land and Mobile Homes

Many mobile homes in Florida are situated on leased land within mobile home parks or communities. It’s important to understand the implications of this arrangement when financing your mobile home. Golden Lenders can provide guidance on navigating the intricacies of leased land agreements, ensuring you make informed decisions about your investment.

Financing Manufactured Homes

Manufactured homes are a specific category within the mobile home market. These homes are constructed off-site and adhere to federal building codes, ensuring quality and safety standards are met. Financing manufactured homes requires specialized knowledge, and Golden Lenders has the expertise to help you secure the right manufactured housing loan for your needs.

Co-Op Options

Additionally, for those seeking a unique mobile home ownership model in Florida, cooperative (co-op) communities present an intriguing option. In a mobile home co-op, residents collectively own and manage the community, offering a sense of autonomy and community involvement. Financing a mobile home within a co-op setting requires a different approach, and Golden Lenders is well-versed in this specialized area. We can assist you in securing the right financing for your co-op mobile home, ensuring that you can enjoy the benefits of shared ownership while making informed financial decisions. Whether you’re interested in traditional mobile home ownership or the cooperative model, Golden Lenders is your partner in realizing your mobile home dreams in the Sunshine State.

Mobile Home Parks in Florida

Florida boasts a wide range of mobile home parks and communities, catering to various lifestyles and preferences. Investing in mobile home parks can be a lucrative venture, but it requires careful planning and the right financing strategy. Golden Lenders can assist you in exploring your investment options in Florida’s mobile home park industry.

Purchase of Manufactured Homes

If you’re looking to purchase manufactured homes in Florida for resale or rental income, Golden Lenders can provide tailored financing solutions. Whether you’re a seasoned investor or new to the mobile home market, our expertise can help you make sound financial decisions.

Financing Mobile Home Communities

If you’re interested in mobile home communities and wish to finance the development or expansion of such communities, Golden Lenders offers customized financing solutions and lower down payment options. We understand the unique challenges and opportunities within this sector and can help you achieve your goals.

Manufactured Homes Constructed To Last

Manufactured homes in Florida are constructed with quality and durability in mind. These homes are designed to withstand the state’s diverse weather conditions, providing you with comfort and peace of mind. When financing your manufactured home, you’re not just investing in a property; you’re investing in a home built to last.

Great Rates and Terms

Golden Lenders is an experienced manufactured home lender. From single-section to multi-section or modular homes, we have competitive fixed rates and flexible terms to help you finance the manufactured home that’s right for you.

Based on your overall credit quality, age of home, collateral type, amount to finance, and other key factors you will be offered some of the most competitive terms in the business. Call us anytime to speak directly to one of our loan specialists. The pros at Golden Lenders will help you find the program that is right for your lifestyle and your budget.

Whether purchasing a new or used manufactured home for the first time or refinancing one you already own, our team will work directly with you to find the best financing options available. There are never penalties for early repayment.

Our manufactured and mobile home loan programs include:

  • Fixed rates
  • No pre-payment penalties
  • No land required
  • CO-OP
  • Lease/land
  • Financing for homes located within a Park or Community
  • Financing for new and used manufactured homes
  • Permanent or non-permanent foundations
  • Primary, Secondary, Investment, and “Buy-For” (purchase for someone else)
  • Lower down payment options
  • Closing costs and most third-party fees may be financed
  • FSBO
  • credit scores as low as 500
  • NO AGE restrictions
  • 24-48 hour pre-approvals
  • 1 time construction to permanent financing close
  • single-wide or multi-wide
  • cash-out refinances

Tips When Financing A Manufactured Home

When it comes to financing a manufactured home in Florida, there are critical distinctions to be aware of, primarily concerning whether the home is considered personal property or real property. Mobile home loans for personal property are typically used when the mobile home is not affixed to the property (land) it sits on. In contrast, if the mobile home is permanently attached to the land, it is considered real property, and financing options differ.

For those looking to finance manufactured homes that are treated as personal property, the process can be quite similar to financing traditional vehicles. The loan is secured against the mobile home itself, and interest rates may be slightly higher than those for real property. However, this approach offers the advantage of quicker approvals and potentially lower down payment requirements.


Conversely, when a mobile home is permanently affixed to a piece of land, it’s often referred to as real property. In this case, the land purchase is integral to the financing process. The interest rates for loans on real property, often called mobile homes on foundations, can be more favorable because they are similar to those for traditional mortgages.

In Florida, mobile home loan interest rates can vary, depending on factors such as your credit score, down payment, and the purchase price of the manufactured home. Golden Lenders can help you secure competitive interest rates tailored to your unique financial situation.

Contact Us Today

Mobile home financing in Florida opens up a world of possibilities for those seeking affordable and comfortable living options or lucrative investment opportunities. Golden Lenders is your trusted partner in navigating the complex landscape of mobile home loans, manufactured housing loans, and investment financing in the Sunshine State. Whether you’re planning to make a mobile home your primary residence, explore the world of mobile home parks, or invest in manufactured homes, our expertise and tailored solutions will guide you every step of the way. Contact us today to turn your mobile home dreams into reality.

Frequently Asked Questions

Do you offer manufactured home only and land & home financing in my area?

We offer financing in 4 states.  CO, FL, NE & TX

What is the minimum home loan amount you provide?


What is required for a manufactured home loan down payment?

As low as 0% are available for well-qualified buyers. Typical down payment requirements range from 5% to 35% and are based on the overall credit profile of the buyer, collateral type (home type, home placement, etc.), and occupancy type (i.e. primary residence, secondary home, etc.). Investment properties and “Buy-For” transactions require a minimum of 20% down payment. Home loan down payments may be in the form of cash, trade, or land equity.

What are your maximum loan terms for manufactured home only and land & home loans?

We offer terms up to 30 years on new and used Land Home loan products. Additionally, we offer terms up to 25 years on new and used Home Only loan products. Investment properties are limited to 10-year terms.

Do you have a minimum credit score requirement?

We do not have a minimum credit score for most manufactured homes only and land & home loans.

Do you have restrictions on the age of the home?

We have no restrictions on the age of the home.

Do you offer refinance loans?

Yes. Cash-out options are available but require a minimum credit score of 600.   Cash-out is not available in TX

Do you require Private Mortgage Insurance (PMI)?

No. We do not require PMI on any home this will save you thousands of dollars over the life of your mortgage loan.

Do you offer financing for manufactured or mobile homes that need to be moved?


Contact Us

Contact Golden Lenders today for the mortgage help you need to turn your dream house into reality. We provide attentive customer service throughout the process of obtaining a loan for your new home. We serve clients across Colorado, Florida, Nebraska, & Texas.

Company NMLS 2106/60DBO98881/MBR2785/RM.804768.000

Hours of Operation:

24 Hours a Day, 7 Days a Week

(303) 482-2361